We are San Diego


Welcome to our branch. Located on Harbor Drive in the beautiful Point Loma area of San Diego, our branch serves all of Southern California. Our Loan Professionals are committed to spending quality time helping you review and understand your mortgage loan options. We believe it is essential on every transaction to analyze your situation to make sure your mortgage complements your goals.

Bay Equity is a dynamic group of full-service lending professionals with offices across the nation. Our platform gives you quality, cutting-edge technology to provide an efficient and secure mortgage experience.

We offer a wide array of Loan Options – Let’s find just the right mortgage for you!

  • Jumbo loan options including interest only
  • Jumbo loan with low down and no mortgage insurance
  • Fannie Mae and Freddie Mac loans Conventional and high-balance loans
  • Government Lending: VA, FHA, and USDA
  • First-time Home Buyer – down payment assistant programs including CalHFA and GSFA
  • 2nd Mortgages for down payment assistance
  • Investment Property Lending – qualify using rental income as debt service coverage
  • Expanded Loans including bank statement programs
  • Foreign National Buyer programs

Please call today and let us guide you in one of the most significant purchase or refinance transactions of your life.

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Home-buying by numbers

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Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.

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What’s your monthly payment?


Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Talk to one of our loan officers to get an official figure. We’re here to help.

Built on family and forward-thinking


Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.